GIB Global Islami Bank Limited
Bank
Tk 1.7 as of 2025-11-05 14:23:06
Rank 358 of all scored
Data completeness 60%
Data completeness 60%
Override: Avoid. Negative net asset value.
Score breakdown
Consistency 28
Profitability 36
Solvency 17
Valuation 0
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Ownership Institutions (53.37%) hold more than the public (31.2%)
Concerns
- Consistency Net loss in 2 of the last 4 years
- Consistency Dividend paid in only 1 of 4 years
- Profitability Average ROE only -282.83% (below 9%: capital not working hard)
- Profitability Last year was a net LOSS of Tk 1246.62 cr
- Valuation No P/E: the company is loss-making
Notes
- Consistency EPS rose in 1 of 3 years (mixed)
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Small cap (< Tk 200 cr): most exposed to manipulation and volatility
- Thin trading (last day ~Tk 0.06 cr)
- Within 6.25% of its 52-week low: check WHY before treating it as cheap
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
6.3% above the low, 5.6% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Sponsor/director 15.4%
- Institution 53.4%
- Public 31.2%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 2.56 | 15.06 | 132 | — | — |
| 2022 | 1.02 | 13.79 | 96 | 5 | 5 |
| 2023 | -21.79 | -9.14 | -2,152 | — | — |
| 2024 | -12.62 | -21.77 | -1,247 | — | — |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 1,912.8%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.